Advice for Bad Credit
Discover expert tips and resources to help you get started.
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The Latest Advice for Bad Credit
![Young man with ponderous expression reviewing paperwork](https://www.bankrate.com/2020/08/12113803/what-happens-if-you-go-over-your-credit-card-limit.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Regardless of the amount, spending beyond your credit limit is generally a bad idea.
![Mortgage refinance options for bad credit](https://www.bankrate.com/2021/05/06125240/GettyImages-639497394.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Borrowers with poor credit can still nail down home loan refinancing. Here’s how.
![Design element of a credit card with a pad lock](https://www.bankrate.com/brp/2024/11/04174308/Cards-6-Tips-On-How-To-Apply-For-A-Credit-Card-With-Bad-Credit.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn how to get a credit card with bad credit and start rebuilding your credit.
![Two smiling Asian women dressed in business attire review documents on a clipboard while working in a cafe. The image includes an off-white half circle behind the two women.](https://www.bankrate.com/brp/2025/02/11111756/new-loans-doable-with-debt-management-plan.jpg?auto=webp&optimize=high&crop=1:1&width=356)
A debt management plan shouldn’t prevent you from getting credit.
![Photo showing Tinder app](https://www.bankrate.com/2017/05/09120737/money-pulse-on-credit-scores-dating-tinder.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Many see a poor credit score as a dating turn-off, but should they?
![Man using credit card for online purchase](https://www.bankrate.com/2022/08/09115200/What-to-look-for-in-a-credit-card-for-bad-credit.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Applying for a credit card with bad credit can be fraught. Here’s what to look for.
![Woman working on laptop. The image is placed in a centered circle on a light pink background. There is a transparent red semicircle on the right side of the image.](https://www.bankrate.com/2023/12/19180402/Loans-How-to-choose-the-best-bad-credit-loan-company.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Not all bad credit lenders are alike, so potential borrowers should choose carefully.
![design image of a couple standing in front of a meter for poor or good credit](https://www.bankrate.com/brp/2024/02/17151030/Cards_What-Is-Considered-A-Bad-Credit-Score.jpg?auto=webp&optimize=high&crop=1:1&width=356)
A bad credit score can adversely impact you, but you don’t have to live with it.